Re: Upgrade to Surpass

I think AMEX has a strong entry level Hilton no AF card, which gets you access to discounted point redemptions with the AXON discount. In terms of a Hilton with an AF, I would go with the Citi Hilton Reserve. With that card you basically get the same rewards, but you can net a free night when spending $10,000 a year. Furhtermore it has a EMV chip, which you can use if you travel abroad.

Re: Upgrade to Surpass

I think AMEX has a strong entry level Hilton no AF card, which gets you access to discounted point redemptions with the AXON discount. In terms of a Hilton with an AF, I would go with the Citi Hilton Reserve. With that card you basically get the same rewards, but you can net a free night when spending $10,000 a year. Furhtermore it has a EMV chip, which you can use if you travel abroad.

+1. The best combination for most people would be the no AF Amex plus the Citi Reserve. The only exception I can see to this is if someone spends a lot of nights in US Hiltons. Then the 12 points on the surpass vs 10 on the reserve may start to add up.

Re: Upgrade to Surpass

I think AMEX has a strong entry level Hilton no AF card, which gets you access to discounted point redemptions with the AXON discount. In terms of a Hilton with an AF, I would go with the Citi Hilton Reserve. With that card you basically get the same rewards, but you can net a free night when spending $10,000 a year. Furhtermore it has a EMV chip, which you can use if you travel abroad.

+1. The best combination for most people would be the no AF Amex plus the Citi Reserve. The only exception I can see to this is if someone spends a lot of nights in US Hiltons. Then the 12 points on the surpass vs 10 on the reserve may start to add up.

Thanks for the advise. I was mostly just looking at the upgrade for the 50k points. I may add another hhonors card, but I think the marriott card is a bit better. Check it out from the link in my signature.

Re: Upgrade to Surpass

Why does Chase have all the good cards? Lol, if it were possible I would get 2 or 3 more Chase cards, their rewards/AF ratio is pretty amazing. Too bad people have to close/ shift around credit to open new cards.

Re: Upgrade to Surpass

Why does Chase have all the good cards? Lol, if it were possible I would get 2 or 3 more Chase cards, their rewards/AF ratio is pretty amazing. Too bad people have to close/ shift around credit to open new cards.

They are by far the most profitable bank in the US, so they can afford to offer great rewards. Which attracts high quality borrowers and they then become even more profitable.

Re: Upgrade to Surpass

Why does Chase have all the good cards? Lol, if it were possible I would get 2 or 3 more Chase cards, their rewards/AF ratio is pretty amazing. Too bad people have to close/ shift around credit to open new cards.

They are by far the most profitable bank in the US, so they can afford to offer great rewards. Which attracts high quality borrowers and they then become even more profitable.

Chase has the most cards out there, but I'm sure Amex is still the most profitable. Since their default rates are the lowest, and Amex still has the reputation for being the best card out there, and majority of the businesses I know use Amex over anything else.

Re: Upgrade to Surpass

Why does Chase have all the good cards? Lol, if it were possible I would get 2 or 3 more Chase cards, their rewards/AF ratio is pretty amazing. Too bad people have to close/ shift around credit to open new cards.

They are by far the most profitable bank in the US, so they can afford to offer great rewards. Which attracts high quality borrowers and they then become even more profitable.

Chase has the most cards out there, but I'm sure Amex is still the most profitable. Since their default rates are the lowest, and Amex still has the reputation for being the best card out there, and majority of the businesses I know use Amex over anything else.

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